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Baccarat is a sophisticated game that originated in Europe. Players bet on the player, the banker, or a tie. The dealer deals two cards to the player and two cards to the banker. Depending on the value of the hands, a third card may be dealt for each hand. The hand with a total card value closest to nine wins.

How to Play | Rules | Payouts when you win

How to Play

At the beginning of each hand you must place a bet. The chips you bet appear in the betting area of the baccarat table.

1. Select a $1, $5, $10, $25, or $100 chip value by clicking on the chip.
2. Click on the betting area until the number of chips displayed equals the amount you wish to bet. Bets can be placed on the player's hand, the banker's hand, a tie, or a combination of the tie bet and one other bet. You cannot place a bet on the player and banker in the same hand.
3. To reduce your bet amount, right-click on the chips you have bet. Your bet will be reduced by the amount of the currently selected chip.
4. Click Deal. You and the banker each receive two cards face up. Depending on the cards received, both parties may be dealt a third card.

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Rules

We use a four deck shoe in Baccarat.

No hand receives more than three cards.

When the player's and banker's hands are equal then a tie is declared.

Tens and face cards are worth zero, aces are worth one, and all other cards are worth their face value. If the value of a hand exceeds nine, then as shown below, the value is adjusted by subtracting 10 from the total.

Hand	Actual value
+ = 15	5
+  +   = 18	8
+ = 19	Natural 9
+ = 8	Natural 8

Third Card Rule

After the player and the banker receive their first two cards, a third card is dealt to each if required by the Third Card Rule. The player's hand is always played out first.

The following table explains how to complete the player's hand.

After the player's hand is determined, the banker's hand is played out. If the player's hand equals 6 or 7 and the player did not draw a third card, the banker's hand is played out as indicated in Table A. Otherwise the bankers hand is played out as indicated in Table B.

TABLE A

If a banker's cards total:	The banker must:
3-5	Draw a third card
6+	Stand

TABLE B

If a banker's cards total:	The banker must draw when the player's third card is:	The banker must stand when the player's third card is:
0-2	1,2,3,4,5,6,7,8,9,10
3	1,2,3,4,5,6,7,9,10	8
4	2,3,4,5,6,7	1,8,9,10
5	4,5,6,7	1,2,3,8,9,10
6	6,7	1,2,3,4,5,8,9,10
7		1,2,3,4,5,6,7,8,9,10

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Payouts when you win

If you place a winning wager the payouts are as follows:

Winning Wager	Payout
Player hand wager	1:1
Banker hand wager	1:1 (less 5% house commission)
Tie wager	8:1

• If a bet on the tie is part of a combination bet, and the outcome of the hand is a tie, then the bet on the player or banker is a push and the payout results solely from the tie bet.

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